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Loan Payment by Phone (Credit Card)

You can now make payments to your Zia loan with a credit card over the phone! Simply give us a call during our regular business hours to make a loan payment using your credit card or debit card. We will ask you for all the details we need to safely process your loan payment by phone and give you a confirmation that your payment has been made – it's that easy! This can be a real time-saver if you're accidentally running behind with your payment. There is a fee to use this service.

Telephone Banking

For those times a computer isn't handy, you still have free access to manage your accounts via the 'ol reliable telephone. Available 24/7 from any touchtone phone, telephone banking allows you to transfer funds and more with the touch of a finger

Night Drop

Make deposits or loan payments by dropping them off in our Night Drop Box located at the entrance of both our offices. Night Drop is posted daily the next business day by 10:00 a.m. in dual control.

Direct Deposit

There's no need to stand in line to deposit your paycheck! Save time and enjoy the convenience of having your payroll electronically deposited into your account with Direct Deposit.

Payroll Deduction

Zia members who have their payroll deposited using Direct Deposit can also use this service to route their funds between accounts. The funds can be routed into any savings account or loan account.

ACH Origination

Zia Credit Union offers ACH Origination! ACH Origination gives you the ability to move funds to another financial institution. The member initiating the ACH origination must be the primary name on both ends of the transaction. For security purposes, we require member signatures on our ACH Origination form.

Wire Transfers

Both Incoming Wires and Outgoing Wires are available to our members as a faster alternative to move funds to another financial institution. There is a fee to process Outgoing Wires. Wires must be received by our 2:45pm daily deadline and a completed Wire Agreement must be on file before the wire can be sent.

Official Checks

Official checks are guaranteed funds, and are sometimes referred to as negotiable instruments, which can be purchased for a low fee. Official checks are completely computer-generated and contain both he payee and payers printed information.

Travelers Express Money Orders

Money orders are guaranteed funds negotiable instruments. Money orders can be purchased for a low fee. Members receive the preprinted money order and the member fills out the payee's information.

American Express Travelers Cheques

Perfect for travel, Travelers Cheques are insured drafts for the purpose of protecting the member if lost or stolen. Travelers Cheques come in the denominations of $20, $50, and $100. Basic Travelers Cheques are available for purchase with no fees to all members. We also offer Cheques For Two, which have a convenient dual signature feature so two people can use them - together or separately. Cheques For Two are available for purchase with a low fee.

American Express Gift Cheques

American Express Gift Cheques come in denominations of $25, $50, and $100. There is no charge or fee for Gift Cheques.

Zia Credit Union Visa® Gift Cards

Zia Visa Gift Cards are available in a range of amounts from a minimum of $10 to a maximum of $1,000. Expiration is 7 months from date of purchase. To check card balance call 1-800-914-6710. You can purchase a gift card for any special occasion including birthdays, anniversaries, wedding, graduation, etc. You can also order your own personalized card and receive it within three to five business days. This card can be used at any merchant that accepts VISA charge cards. These cards are not reloadable. There is no fee for VISA Gift Cards.

VISA Credit Card Cash Advances

Members can debit their Visa credit cards for cash advances at the teller line. Advance limits are set at withdrawing 50% of the available card balance.